Home > The Factory Point National Bank of Manchester Center > Income and Expense
The Factory Point National Bank of Manchester Center, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,537,000 | 2,015 |
| Total interest expense | $4,078,000 | 2,288 |
| Net interest income | $6,459,000 | 1,776 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,779,000 | 1,455 |
| Gross Fiduciary activities income | $522,000 | 417 |
| Service charges on deposit accounts | $670,000 | 1,319 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $587,000 | 2,015 |
| Total noninterest expense | $5,185,000 | 1,786 |
| Salaries and employee benefits | $2,702,000 | 1,894 |
| Premises and equipment expense | $925,000 | 1,436 |
| Additional noninterest expense | $1,558,000 | 1,748 |
| Pre-tax net operating income | $3,053,000 | 1,523 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $755,000 | 1,560 |
| Income before extraordinary items | $2,298,000 | 1,523 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,298,000 | 1,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $1,389,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,298,000 | 1,507 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,259,000 | 2,018 |
| Total interest expense | $2,051,000 | 2,270 |
| Net interest income | $3,208,000 | 1,791 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $890,000 | 1,428 |
| Gross Fiduciary activities income | $246,000 | 431 |
| Service charges on deposit accounts | $317,000 | 1,354 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $327,000 | 1,849 |
| Total noninterest expense | $2,600,000 | 1,779 |
| Salaries and employee benefits | $1,339,000 | 1,918 |
| Premises and equipment expense | $474,000 | 1,419 |
| Additional noninterest expense | $787,000 | 1,703 |
| Pre-tax net operating income | $1,498,000 | 1,546 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $357,000 | 1,640 |
| Income before extraordinary items | $1,141,000 | 1,513 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,141,000 | 1,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,116 |
| Cash dividends | $693,000 | 1,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,141,000 | 1,502 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,254,000 | 1,957 |
| Total interest expense | $7,007,000 | 2,278 |
| Net interest income | $13,247,000 | 1,737 |
| Provision for loan and lease losses | $390,000 | 2,314 |
| Total noninterest income | $3,113,000 | 1,568 |
| Gross Fiduciary activities income | $979,000 | 407 |
| Service charges on deposit accounts | $1,128,000 | 1,571 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,006,000 | 2,214 |
| Total noninterest expense | $9,880,000 | 1,804 |
| Salaries and employee benefits | $5,104,000 | 1,906 |
| Premises and equipment expense | $1,733,000 | 1,483 |
| Additional noninterest expense | $3,043,000 | 1,737 |
| Pre-tax net operating income | $6,090,000 | 1,578 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,552,000 | 1,607 |
| Income before extraordinary items | $4,538,000 | 1,596 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,538,000 | 1,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-124,000 | 8,525 |
| Cash dividends | $2,693,000 | 1,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,538,000 | 1,578 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,887,000 | 1,980 |
| Total interest expense | $4,991,000 | 2,325 |
| Net interest income | $9,896,000 | 1,755 |
| Provision for loan and lease losses | $390,000 | 1,736 |
| Total noninterest income | $2,235,000 | 1,643 |
| Gross Fiduciary activities income | $733,000 | 403 |
| Service charges on deposit accounts | $784,000 | 1,689 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $718,000 | 2,290 |
| Total noninterest expense | $7,337,000 | 1,818 |
| Salaries and employee benefits | $3,795,000 | 1,916 |
| Premises and equipment expense | $1,270,000 | 1,533 |
| Additional noninterest expense | $2,272,000 | 1,725 |
| Pre-tax net operating income | $4,404,000 | 1,690 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,118,000 | 1,743 |
| Income before extraordinary items | $3,286,000 | 1,693 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,286,000 | 1,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-174,000 | 8,615 |
| Cash dividends | $2,083,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,286,000 | 1,678 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,663,000 | 1,991 |
| Total interest expense | $3,037,000 | 2,409 |
| Net interest income | $6,626,000 | 1,749 |
| Provision for loan and lease losses | $390,000 | 1,192 |
| Total noninterest income | $1,495,000 | 1,645 |
| Gross Fiduciary activities income | $494,000 | 409 |
| Service charges on deposit accounts | $525,000 | 1,671 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $476,000 | 2,289 |
| Total noninterest expense | $4,854,000 | 1,836 |
| Salaries and employee benefits | $2,510,000 | 1,941 |
| Premises and equipment expense | $821,000 | 1,579 |
| Additional noninterest expense | $1,523,000 | 1,740 |
| Pre-tax net operating income | $2,877,000 | 1,716 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $733,000 | 1,790 |
| Income before extraordinary items | $2,144,000 | 1,701 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,144,000 | 1,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 8,535 |
| Cash dividends | $1,473,000 | 1,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,144,000 | 1,684 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,697,000 | 2,019 |
| Total interest expense | $1,364,000 | 2,522 |
| Net interest income | $3,333,000 | 1,724 |
| Provision for loan and lease losses | $195,000 | 1,170 |
| Total noninterest income | $753,000 | 1,600 |
| Gross Fiduciary activities income | $233,000 | 430 |
| Service charges on deposit accounts | $258,000 | 1,640 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $262,000 | 2,138 |
| Total noninterest expense | $2,394,000 | 1,860 |
| Salaries and employee benefits | $1,222,000 | 2,006 |
| Premises and equipment expense | $419,000 | 1,552 |
| Additional noninterest expense | $753,000 | 1,740 |
| Pre-tax net operating income | $1,497,000 | 1,632 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $398,000 | 1,659 |
| Income before extraordinary items | $1,099,000 | 1,630 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,099,000 | 1,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,138 |
| Cash dividends | $611,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,099,000 | 1,611 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,469,000 | 2,025 |
| Total interest expense | $3,577,000 | 2,887 |
| Net interest income | $12,892,000 | 1,708 |
| Provision for loan and lease losses | $780,000 | 1,290 |
| Total noninterest income | $3,364,000 | 1,462 |
| Gross Fiduciary activities income | $932,000 | 407 |
| Service charges on deposit accounts | $1,001,000 | 1,732 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,431,000 | 1,725 |
| Total noninterest expense | $9,517,000 | 1,785 |
| Salaries and employee benefits | $5,020,000 | 1,851 |
| Premises and equipment expense | $1,563,000 | 1,560 |
| Additional noninterest expense | $2,934,000 | 1,722 |
| Pre-tax net operating income | $5,959,000 | 1,592 |
| Securities gains (losses) | $-45,000 | 8,141 |
| Applicable income taxes | $1,510,000 | 1,699 |
| Income before extraordinary items | $4,404,000 | 1,596 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,404,000 | 1,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,813 |
| Cash dividends | $2,313,000 | 1,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,437,300 | 1,559 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,908,000 | 2,051 |
| Total interest expense | $2,443,000 | 2,983 |
| Net interest income | $9,465,000 | 1,722 |
| Provision for loan and lease losses | $585,000 | 1,226 |
| Total noninterest income | $2,576,000 | 1,460 |
| Gross Fiduciary activities income | $711,000 | 396 |
| Service charges on deposit accounts | $735,000 | 1,753 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,130,000 | 1,656 |
| Total noninterest expense | $7,070,000 | 1,778 |
| Salaries and employee benefits | $3,748,000 | 1,849 |
| Premises and equipment expense | $1,157,000 | 1,566 |
| Additional noninterest expense | $2,165,000 | 1,723 |
| Pre-tax net operating income | $4,386,000 | 1,630 |
| Securities gains (losses) | $-45,000 | 8,443 |
| Applicable income taxes | $1,105,000 | 1,752 |
| Income before extraordinary items | $3,236,000 | 1,625 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,236,000 | 1,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,033 |
| Cash dividends | $1,658,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,269,750 | 1,575 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,644,000 | 2,060 |
| Total interest expense | $1,502,000 | 3,037 |
| Net interest income | $6,142,000 | 1,751 |
| Provision for loan and lease losses | $390,000 | 1,212 |
| Total noninterest income | $1,780,000 | 1,393 |
| Gross Fiduciary activities income | $453,000 | 412 |
| Service charges on deposit accounts | $493,000 | 1,707 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $834,000 | 1,531 |
| Total noninterest expense | $4,672,000 | 1,787 |
| Salaries and employee benefits | $2,471,000 | 1,849 |
| Premises and equipment expense | $774,000 | 1,557 |
| Additional noninterest expense | $1,427,000 | 1,732 |
| Pre-tax net operating income | $2,860,000 | 1,631 |
| Securities gains (losses) | $-45,000 | 8,567 |
| Applicable income taxes | $719,000 | 1,755 |
| Income before extraordinary items | $2,096,000 | 1,639 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,096,000 | 1,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,937 |
| Cash dividends | $1,106,000 | 1,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,129,300 | 1,593 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,700,000 | 2,091 |
| Total interest expense | $701,000 | 3,111 |
| Net interest income | $2,999,000 | 1,782 |
| Provision for loan and lease losses | $195,000 | 1,153 |
| Total noninterest income | $715,000 | 1,618 |
| Gross Fiduciary activities income | $234,000 | 404 |
| Service charges on deposit accounts | $242,000 | 1,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $239,000 | 2,225 |
| Total noninterest expense | $2,309,000 | 1,809 |
| Salaries and employee benefits | $1,231,000 | 1,867 |
| Premises and equipment expense | $396,000 | 1,537 |
| Additional noninterest expense | $682,000 | 1,808 |
| Pre-tax net operating income | $1,210,000 | 1,864 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $310,000 | 1,931 |
| Income before extraordinary items | $900,000 | 1,881 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $900,000 | 1,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,547 |
| Cash dividends | $552,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $900,000 | 1,843 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,758,000 | 2,063 |
| Total interest expense | $2,289,000 | 3,269 |
| Net interest income | $11,469,000 | 1,761 |
| Provision for loan and lease losses | $630,000 | 1,578 |
| Total noninterest income | $2,832,000 | 1,690 |
| Gross Fiduciary activities income | $913,000 | 396 |
| Service charges on deposit accounts | $992,000 | 1,766 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $927,000 | 2,259 |
| Total noninterest expense | $8,785,000 | 1,840 |
| Salaries and employee benefits | $4,871,000 | 1,808 |
| Premises and equipment expense | $1,354,000 | 1,716 |
| Additional noninterest expense | $2,560,000 | 1,904 |
| Pre-tax net operating income | $4,886,000 | 1,735 |
| Securities gains (losses) | $167,000 | 923 |
| Applicable income taxes | $1,292,000 | 1,805 |
| Income before extraordinary items | $3,761,000 | 1,704 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,761,000 | 1,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,105,000 | 721 |
| Cash dividends | $1,976,000 | 1,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,637,420 | 1,709 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,120,000 | 2,079 |
| Total interest expense | $1,680,000 | 3,278 |
| Net interest income | $8,440,000 | 1,778 |
| Provision for loan and lease losses | $450,000 | 1,575 |
| Total noninterest income | $2,113,000 | 1,706 |
| Gross Fiduciary activities income | $683,000 | 397 |
| Service charges on deposit accounts | $746,000 | 1,773 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $684,000 | 2,299 |
| Total noninterest expense | $6,586,000 | 1,829 |
| Salaries and employee benefits | $3,651,000 | 1,797 |
| Premises and equipment expense | $1,034,000 | 1,686 |
| Additional noninterest expense | $1,901,000 | 1,889 |
| Pre-tax net operating income | $3,517,000 | 1,800 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $886,000 | 1,965 |
| Income before extraordinary items | $2,631,000 | 1,823 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,631,000 | 1,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,170 |
| Cash dividends | $1,479,000 | 1,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,631,000 | 1,777 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,666,000 | 2,098 |
| Total interest expense | $1,114,000 | 3,270 |
| Net interest income | $5,552,000 | 1,793 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $1,399,000 | 1,702 |
| Gross Fiduciary activities income | $444,000 | 408 |
| Service charges on deposit accounts | $518,000 | 1,690 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $437,000 | 2,388 |
| Total noninterest expense | $4,322,000 | 1,846 |
| Salaries and employee benefits | $2,402,000 | 1,818 |
| Premises and equipment expense | $644,000 | 1,788 |
| Additional noninterest expense | $1,276,000 | 1,872 |
| Pre-tax net operating income | $2,329,000 | 1,802 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $592,000 | 1,951 |
| Income before extraordinary items | $1,737,000 | 1,817 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,737,000 | 1,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,446 |
| Cash dividends | $986,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,737,000 | 1,768 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,297,000 | 2,118 |
| Total interest expense | $561,000 | 3,289 |
| Net interest income | $2,736,000 | 1,813 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $712,000 | 1,648 |
| Gross Fiduciary activities income | $219,000 | 409 |
| Service charges on deposit accounts | $262,000 | 1,629 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $231,000 | 2,252 |
| Total noninterest expense | $2,170,000 | 1,850 |
| Salaries and employee benefits | $1,187,000 | 1,851 |
| Premises and equipment expense | $334,000 | 1,742 |
| Additional noninterest expense | $649,000 | 1,826 |
| Pre-tax net operating income | $1,128,000 | 1,820 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $286,000 | 1,998 |
| Income before extraordinary items | $842,000 | 1,859 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $842,000 | 1,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $493,000 | 1,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $842,000 | 1,770 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,806,000 | 2,059 |
| Total interest expense | $2,951,000 | 2,916 |
| Net interest income | $10,855,000 | 1,798 |
| Provision for loan and lease losses | $600,000 | 1,837 |
| Total noninterest income | $3,746,000 | 1,419 |
| Gross Fiduciary activities income | $837,000 | 424 |
| Service charges on deposit accounts | $1,027,000 | 1,678 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,882,000 | 1,536 |
| Total noninterest expense | $8,880,000 | 1,787 |
| Salaries and employee benefits | $4,808,000 | 1,792 |
| Premises and equipment expense | $1,326,000 | 1,706 |
| Additional noninterest expense | $2,746,000 | 1,767 |
| Pre-tax net operating income | $5,121,000 | 1,584 |
| Securities gains (losses) | $64,000 | 2,288 |
| Applicable income taxes | $1,416,000 | 1,702 |
| Income before extraordinary items | $3,769,000 | 1,647 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,769,000 | 1,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 1,726 |
| Cash dividends | $1,831,000 | 1,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,722,280 | 1,589 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,416,000 | 2,080 |
| Total interest expense | $2,341,000 | 2,852 |
| Net interest income | $8,075,000 | 1,828 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $2,309,000 | 1,696 |
| Gross Fiduciary activities income | $626,000 | 428 |
| Service charges on deposit accounts | $778,000 | 1,657 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $905,000 | 2,195 |
| Total noninterest expense | $6,619,000 | 1,798 |
| Salaries and employee benefits | $3,601,000 | 1,808 |
| Premises and equipment expense | $994,000 | 1,727 |
| Additional noninterest expense | $2,024,000 | 1,787 |
| Pre-tax net operating income | $3,315,000 | 1,879 |
| Securities gains (losses) | $64,000 | 2,111 |
| Applicable income taxes | $910,000 | 2,001 |
| Income before extraordinary items | $2,469,000 | 1,952 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,469,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,326 |
| Cash dividends | $1,371,000 | 1,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,422,280 | 1,877 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,065,000 | 2,060 |
| Total interest expense | $1,654,000 | 2,782 |
| Net interest income | $5,411,000 | 1,797 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,515,000 | 1,705 |
| Gross Fiduciary activities income | $386,000 | 448 |
| Service charges on deposit accounts | $530,000 | 1,595 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $599,000 | 2,195 |
| Total noninterest expense | $4,414,000 | 1,798 |
| Salaries and employee benefits | $2,368,000 | 1,818 |
| Premises and equipment expense | $673,000 | 1,690 |
| Additional noninterest expense | $1,373,000 | 1,751 |
| Pre-tax net operating income | $2,212,000 | 1,873 |
| Securities gains (losses) | $9,000 | 2,996 |
| Applicable income taxes | $608,000 | 2,027 |
| Income before extraordinary items | $1,613,000 | 1,974 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,613,000 | 1,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 1,204 |
| Cash dividends | $914,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,606,430 | 1,873 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 2,007 |
| Total interest expense | $844,000 | 2,792 |
| Net interest income | $2,797,000 | 1,735 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $752,000 | 1,670 |
| Gross Fiduciary activities income | $190,000 | 456 |
| Service charges on deposit accounts | $262,000 | 1,570 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $300,000 | 2,110 |
| Total noninterest expense | $2,237,000 | 1,762 |
| Salaries and employee benefits | $1,200,000 | 1,777 |
| Premises and equipment expense | $345,000 | 1,663 |
| Additional noninterest expense | $692,000 | 1,705 |
| Pre-tax net operating income | $1,162,000 | 1,802 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $327,000 | 1,931 |
| Income before extraordinary items | $835,000 | 1,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $835,000 | 1,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,563 |
| Cash dividends | $457,000 | 1,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $835,000 | 1,790 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,340,000 | 2,008 |
| Total interest expense | $4,219,000 | 2,625 |
| Net interest income | $11,121,000 | 1,735 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $2,849,000 | 1,619 |
| Gross Fiduciary activities income | $844,000 | 436 |
| Service charges on deposit accounts | $1,006,000 | 1,610 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $999,000 | 2,183 |
| Total noninterest expense | $8,460,000 | 1,794 |
| Salaries and employee benefits | $4,483,000 | 1,789 |
| Premises and equipment expense | $1,297,000 | 1,695 |
| Additional noninterest expense | $2,680,000 | 1,747 |
| Pre-tax net operating income | $4,910,000 | 1,657 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $1,434,000 | 1,710 |
| Income before extraordinary items | $3,504,000 | 1,717 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,504,000 | 1,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,954 |
| Cash dividends | $1,591,000 | 1,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,484,120 | 1,667 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,252,000 | 1,981 |
| Total interest expense | $6,796,000 | 2,357 |
| Net interest income | $10,456,000 | 1,713 |
| Provision for loan and lease losses | $600,000 | 1,892 |
| Total noninterest income | $2,784,000 | 1,565 |
| Gross Fiduciary activities income | $860,000 | 452 |
| Service charges on deposit accounts | $994,000 | 1,482 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $930,000 | 2,156 |
| Total noninterest expense | $8,524,000 | 1,709 |
| Salaries and employee benefits | $4,303,000 | 1,749 |
| Premises and equipment expense | $1,367,000 | 1,571 |
| Additional noninterest expense | $2,854,000 | 1,623 |
| Pre-tax net operating income | $4,116,000 | 1,730 |
| Securities gains (losses) | $123,000 | 1,581 |
| Applicable income taxes | $1,262,000 | 1,740 |
| Income before extraordinary items | $2,977,000 | 1,768 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,977,000 | 1,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $439,000 | 1,710 |
| Cash dividends | $1,447,000 | 1,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,890,900 | 1,745 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,287,000 | 2,039 |
| Total interest expense | $7,254,000 | 2,332 |
| Net interest income | $10,033,000 | 1,753 |
| Provision for loan and lease losses | $600,000 | 1,605 |
| Total noninterest income | $2,438,000 | 1,626 |
| Gross Fiduciary activities income | $893,000 | 444 |
| Service charges on deposit accounts | $830,000 | 1,667 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $715,000 | 2,320 |
| Total noninterest expense | $8,084,000 | 1,726 |
| Salaries and employee benefits | $4,032,000 | 1,788 |
| Premises and equipment expense | $1,340,000 | 1,550 |
| Additional noninterest expense | $2,712,000 | 1,638 |
| Pre-tax net operating income | $3,787,000 | 1,930 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,074,000 | 1,996 |
| Income before extraordinary items | $2,713,000 | 1,924 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,713,000 | 1,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,715 |
| Cash dividends | $1,312,000 | 1,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,713,000 | 1,924 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,721,000 | 2,573 |
| Total interest expense | $4,776,000 | 3,056 |
| Net interest income | $7,945,000 | 2,213 |
| Provision for loan and lease losses | $552,000 | 1,624 |
| Total noninterest income | $2,137,000 | 1,768 |
| Gross Fiduciary activities income | $917,000 | 482 |
| Service charges on deposit accounts | $612,000 | 2,176 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $608,000 | 2,601 |
| Total noninterest expense | $6,433,000 | 2,112 |
| Salaries and employee benefits | $3,204,000 | 2,189 |
| Premises and equipment expense | $1,096,000 | 1,860 |
| Additional noninterest expense | $2,133,000 | 2,043 |
| Pre-tax net operating income | $3,097,000 | 2,338 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $862,000 | 2,476 |
| Income before extraordinary items | $2,235,000 | 2,321 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,235,000 | 2,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,732 |
| Cash dividends | $1,152,000 | 2,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,235,000 | 2,295 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,978,000 | 2,710 |
| Total interest expense | $4,619,000 | 3,227 |
| Net interest income | $7,359,000 | 2,322 |
| Provision for loan and lease losses | $552,000 | 1,594 |
| Total noninterest income | $2,080,000 | 1,775 |
| Gross Fiduciary activities income | $789,000 | 515 |
| Service charges on deposit accounts | $601,000 | 2,131 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $690,000 | 2,422 |
| Total noninterest expense | $5,885,000 | 2,225 |
| Salaries and employee benefits | $3,068,000 | 2,204 |
| Premises and equipment expense | $1,087,000 | 1,812 |
| Additional noninterest expense | $1,730,000 | 2,400 |
| Pre-tax net operating income | $3,002,000 | 2,377 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $932,000 | 2,435 |
| Income before extraordinary items | $2,070,000 | 2,477 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,070,000 | 2,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,933 |
| Cash dividends | $878,000 | 2,442 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,070,000 | 2,396 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,666,000 | 2,811 |
| Total interest expense | $4,613,000 | 3,212 |
| Net interest income | $7,053,000 | 2,457 |
| Provision for loan and lease losses | $710,000 | 1,316 |
| Total noninterest income | $2,021,000 | 1,747 |
| Gross Fiduciary activities income | $873,000 | 511 |
| Service charges on deposit accounts | $567,000 | 2,312 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $581,000 | 2,543 |
| Total noninterest expense | $5,801,000 | 2,221 |
| Salaries and employee benefits | $2,831,000 | 2,345 |
| Premises and equipment expense | $1,071,000 | 1,852 |
| Additional noninterest expense | $1,899,000 | 2,201 |
| Pre-tax net operating income | $2,563,000 | 2,852 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $825,000 | 2,858 |
| Income before extraordinary items | $1,738,000 | 2,933 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,738,000 | 2,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,855 |
| Cash dividends | $699,000 | 2,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,738,000 | 2,878 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,311,000 | 2,919 |
| Total interest expense | $4,608,000 | 3,244 |
| Net interest income | $6,703,000 | 2,630 |
| Provision for loan and lease losses | $595,000 | 1,531 |
| Total noninterest income | $1,735,000 | 2,062 |
| Gross Fiduciary activities income | $628,000 | 642 |
| Service charges on deposit accounts | $542,000 | 2,506 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $565,000 | 2,683 |
| Total noninterest expense | $5,495,000 | 2,494 |
| Salaries and employee benefits | $2,858,000 | 2,329 |
| Premises and equipment expense | $975,000 | 2,061 |
| Additional noninterest expense | $1,662,000 | 2,868 |
| Pre-tax net operating income | $2,348,000 | 2,971 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $786,000 | 2,889 |
| Income before extraordinary items | $1,558,000 | 3,083 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,558,000 | 3,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 1,899 |
| Cash dividends | $708,000 | 2,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,560,640 | 3,040 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,764,000 | 3,081 |
| Total interest expense | $4,406,000 | 3,371 |
| Net interest income | $6,358,000 | 2,807 |
| Provision for loan and lease losses | $290,000 | 2,346 |
| Total noninterest income | $1,490,000 | 2,292 |
| Gross Fiduciary activities income | $562,000 | 708 |
| Service charges on deposit accounts | $484,000 | 2,800 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $444,000 | 3,101 |
| Total noninterest expense | $5,368,000 | 2,531 |
| Salaries and employee benefits | $2,780,000 | 2,389 |
| Premises and equipment expense | $802,000 | 2,469 |
| Additional noninterest expense | $1,786,000 | 2,646 |
| Pre-tax net operating income | $2,190,000 | 3,227 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $737,000 | 3,095 |
| Income before extraordinary items | $1,453,000 | 3,340 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,453,000 | 3,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,244 |
| Cash dividends | $523,000 | 3,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,453,000 | 3,312 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,971,000 | 3,340 |
| Total interest expense | $3,103,000 | 3,845 |
| Net interest income | $5,868,000 | 3,056 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $1,905,000 | 1,901 |
| Gross Fiduciary activities income | $543,000 | 712 |
| Service charges on deposit accounts | $427,000 | 3,181 |
| Trading account gains and fees | $-3,000 | 4,804 |
| Additional Noninterest Income | $938,000 | 1,916 |
| Total noninterest expense | $5,574,000 | 2,503 |
| Salaries and employee benefits | $2,844,000 | 2,358 |
| Premises and equipment expense | $661,000 | 2,982 |
| Additional noninterest expense | $2,069,000 | 2,500 |
| Pre-tax net operating income | $2,159,000 | 3,218 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $730,000 | 3,001 |
| Income before extraordinary items | $1,430,000 | 3,300 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,430,000 | 3,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,299 |
| Cash dividends | $452,000 | 3,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,429,340 | 3,332 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,488,000 | 3,621 |
| Total interest expense | $3,157,000 | 3,951 |
| Net interest income | $5,331,000 | 3,363 |
| Provision for loan and lease losses | $86,000 | 6,164 |
| Total noninterest income | $1,267,000 | 2,795 |
| Gross Fiduciary activities income | $487,000 | 774 |
| Service charges on deposit accounts | $348,000 | 3,887 |
| Trading account gains and fees | $5,000 | 460 |
| Additional Noninterest Income | $427,000 | 3,608 |
| Total noninterest expense | $5,178,000 | 2,761 |
| Salaries and employee benefits | $2,739,000 | 2,427 |
| Premises and equipment expense | $728,000 | 2,775 |
| Additional noninterest expense | $1,711,000 | 3,112 |
| Pre-tax net operating income | $1,334,000 | 4,772 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $441,000 | 4,658 |
| Income before extraordinary items | $893,000 | 5,131 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $893,000 | 5,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 3,626 |
| Cash dividends | $240,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $893,000 | 4,905 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,747,000 | 3,577 |
| Total interest expense | $4,557,000 | 3,601 |
| Net interest income | $5,190,000 | 3,510 |
| Provision for loan and lease losses | $517,000 | 2,923 |
| Total noninterest income | $1,209,000 | 2,850 |
| Gross Fiduciary activities income | $456,000 | 799 |
| Service charges on deposit accounts | $342,000 | 3,998 |
| Trading account gains and fees | $1,000 | 486 |
| Additional Noninterest Income | $410,000 | 3,654 |
| Total noninterest expense | $5,003,000 | 2,869 |
| Salaries and employee benefits | $2,588,000 | 2,493 |
| Premises and equipment expense | $692,000 | 2,949 |
| Additional noninterest expense | $1,723,000 | 3,177 |
| Pre-tax net operating income | $879,000 | 6,209 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $271,000 | 6,345 |
| Income before extraordinary items | $608,000 | 6,518 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $608,000 | 6,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $627,000 | 2,117 |
| Cash dividends | $128,000 | 6,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $608,000 | 6,150 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.